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MastercardXSWX:MA -0.54%94 3-Year EBITDA Growth Rate is 19.10% as of Mar. 2026, which is 7% above its 10-year median of 17.80. GuruFocus rates XSWX:MA with a GF Score™ of 94/100 and a GF Value™ of CHF534.60. The stock has 2 warning signs investors should review. Among 317 Credit Services companies, Mastercard ranks better than 61.83% on this metric.
During the past 12 months, Mastercard's average EBITDA Per Share Growth Rate was 25.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 19.10% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 19.70% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 16.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Mastercard was 126.00% per year. The lowest was 2.50% per year. And the median was 17.80% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Mastercard 3-Year EBITDA Growth Rate Related Terms
XSWX:MA vs V, AXP, COF: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Mastercard's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mastercard 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Mastercard's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 19.10% mean?
Mastercard (XSWX:MA) has a 3-Year EBITDA Growth Rate of 19.10% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Mastercard and its competitors. This is near median its historical median of 17.80. Over the past decade, Mastercard's 3-Year EBITDA Growth Rate has ranged from 2.50 to 126.00. According to the industry distribution chart, Mastercard ranks #121 out of 317 companies in the Credit Services industry, placing it in the top 38.2%.
Is Mastercard's 3-Year EBITDA Growth Rate too high?
Mastercard's current 3-Year EBITDA Growth Rate of 19.10% is near median its 10-year median of 17.80. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 126.00. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. Mastercard's value of 19.10% is 109.9% above this industry median. Based on the distribution chart, Mastercard ranks #121 out of 317 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mastercard has a GF Score™ of 94/100, reflecting its overall financial health beyond just this single metric.
How does Mastercard's 3-Year EBITDA Growth Rate compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #121 out of 317 companies for 3-Year EBITDA Growth Rate. This puts Mastercard in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. Mastercard's value of 19.10% is 109.9% above this benchmark. Historically, Mastercard's own 3-Year EBITDA Growth Rate has ranged from 2.50 to 126.00 over the past decade. While the company's 10-year median is 17.80 vs. the industry median of 9.10, Mastercard has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 317 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current 3-Year EBITDA Growth Rate of 19.10% is 109.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Mastercard and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current 3-Year EBITDA Growth Rate is 19.10%, which is near median its own 10-year median of 17.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mastercard stock overvalued right now?
Mastercard (XSWX:MA) has a current 3-Year EBITDA Growth Rate of 19.10%. The stock's GF Value™ is CHF534.60, compared to a current price of CHF439.70 — trading 17.8% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 19.10%, which is near median its 10-year median of 17.80 and 109.9% above the Credit Services industry median of 9.10. Mastercard's overall GF Score™ is 94/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Mastercard (XSWX:MA), the current 3-Year EBITDA Growth Rate is 19.10% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mastercard (XSWX:MA) Overvalued in 2026?
Based on GuruFocus' analysis, Mastercard stock appears to be undervalued.
The current stock price of CHF439.70 is trading 17.8% below its estimated GF Value™ of CHF534.60.
Key valuation signals for XSWX:MA:
3-Year EBITDA Growth Rate: 19.10% (near median its 10-year median of 17.80)
GF Value™: CHF534.60 vs. price of CHF439.70 (17.8% below fair value)
Industry Position: 109.9% above the Credit Services median (#121 of 317)
No single metric tells the full story. See the XSWX:MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mastercard is the second-largest payment processor in the world, having processed close to $11 trillion in volume during 2025. Mastercard operates in over 200 countries and processes transactions in over 150 currencies.
94GF Score
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